Commercial Insurance

Commercial Property

A standard property policy usually protects buildings and contents at a particular location, or within 1,000 feet of that space. This is perfectly fine to cover ordinary items that are stationary such as office furnishings. However, problems can arise when you have specialty items or property that is taken off-premises.

Commercial General Liability

A CGL policy protects your business from financial loss should your business be liable for property damage or personal and advertising injury caused by your services, business operations or your employees.

Business Owners Policy

A Business Owners Policy (BOP) is a package policy that combines commercial general liability and commercial property coverages. 

Inland Marine

Without inland marine coverage, your business's personal property, such as tools and other equipment, is not covered if it is being used/transported off-site. 

Errors & Omissions

E&O insurance is specialized liability protection against losses not covered by traditional liability insurance. It protects you and your business from claims if a client sues for negligent acts, mistakes, errors, or omissions committed during business activities that result in a financial loss for the client.

Event Insurance

Many venues require you to purchase event insurance to protect their property from damage, as well as reduce their liability if someone gets injured as a result of the event. If you're investing a lot of money in your event, you may want to purchase event insurance simply for the cancellation coverage so you can be reimbursed for any lost deposits.

Workers Compensation Insurance

Workers’ compensation insurance provides medical and wage benefits to employees who are injured or become ill at work. The coverage is mandated by the state.

Commercial Auto

If your business owns or rents vehicles, or allows employees to use personal vehicles for business purposes, you need commercial auto insurance. Commercial auto policies pay for legal expenses, bodily injury, and property damage related to auto accidents.

Commercial Umbrella Insurance

A commercial umbrella policy helps you protect your assets by providing liability limits above and beyond your other insurance policies. In some cases, it may even broaden your protection. Due to the unpredictable nature of jury awards, an umbrella can provide extra peace of mind. 

Cyber Insurance

Cyber insurance generally covers your business' liability for a data breach involving sensitive customer information, such as Social Security numbers, credit card numbers, account numbers, driver's license numbers and health records. A typical policy covers legal fees and expenses, notifying customers about a data breach, restoring personal identities of affected customers, recovering compromised data, and repairing damaged computer systems.